Wholesale Senior Manager

Lloyds Banking Group; Cardiff; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading financial services organization is seeking a Wholesale Senior Manager to oversee the Consumer Distribution Transport division. You will manage a specialist team and drive strategy for our wholesale lending portfolio while collaborating with key stakeholders. The role requires leadership, financial acumen, and adaptability within a hybrid work pattern. Join us to make a real impact in transitioning to sustainable mobility across the UK.

Benefits

Pension contribution of up to 15%

Annual bonus based on performance

Share schemes including free shares

30 days' holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Experience in managing financial portfolios effectively.
• Ability to create comprehensive and coherent reports.
• Strong communication skills for diverse audiences.

Responsibilities

• Develop and implement Wholesale strategy for growth.
• Lead a team aligned to Group Values & Behaviours.
• Collaborate with distribution sales teams for sustainable growth.

Skills

Financial Acumen

Data Management

Risk Management

Communication

Situational Adaptability

Resilience

Growth Mindset

Job description

Description

JOB TITLE: Wholesale Senior Manager - Consumer Distribution, Transport

LOCATION: Flexible (Nationwide)

HOURS: Full time

WORKING PATTERN: Hybrid, 40% (or two days per week) in one of our office hubs mentioned above

About this opportunity

As we continue to accelerate growth across our Consumer Distribution business, we’re excited to offer a newly created opportunity for a Wholesale Senior Manager within our Transport division. You’ll lead a team of specialists supporting our wholesale lending portfolio across a diverse network of Motor, Bike & Leisure retailers.

Through our Black Horse and Lex Autolease brands, we play a pivotal role in supporting the UK’s transition to Net Zero, enabling consumers and businesses to finance and lease electric vehicles. With strong investment and clear strategic ambition, we’re evolving beyond finance and leasing to become the UK’s leading Transport partner.

If you’re motivated by the chance to shape a significant transformation and support sustainable mobility at scale, this role offers a rare opportunity to make a real impact.

You’ll be responsible for

• Developing and implementing the Wholesale strategy to drive market share, growth and profitability.
• Full ownership and oversight of the Wholesale portfolio across Motor, Bike & Leisure retailers.
• Leading and developing a high‑performing team aligned to Group Values & Behaviours.
• Collaborating with retailer and OEM partners, and working closely with Distribution sales teams on sustainable growth initiatives.
• Ensuring a controlled, process‑driven operating platform where Wholesale Risk is fully adhered to across all channels.
• Managing key performance indicators through regular analysis and performance review.
• Building strong, credible relationships across the Transport division and wider LBG business.

Day to day you’ll

• Support and develop your direct reports, fostering collaboration and alignment to strategic goals.
• Embed a strong risk culture across the retailer network and field teams.
• Maintain and enhance processes and controls across the wholesale lending portfolio.
• Oversee complex financial appraisals, credit applications, annual reviews and portfolio analysis.
• Attend and contribute to key committees and governance forums.
• Partner with stakeholders to achieve collective objectives and minimise credit exposure.
• Manage external suppliers to ensure systems and controls are fit for purpose.
• Drive transformation by championing agile, adaptable solutions.
• Support Distribution sales teams with insights that drive sustainable business performance.
• Coach and develop teams to ensure risk awareness is consistently embedded.

What you’ll need

• Financial Acumen - Applies financial insights to drive profitable decisions and measure performance
• Data Management - Reviewing and creating relevant, coherent and effective reports
• Risk Management - Identifying, assessing, prioritising and managing risks
• Communication - Convey information clearly and professionally to different audiences, working collaboratively across multiple channels
• Situational Adaptability - Able to adjust approach and demeanour to match shifting demands
• Resilience - Persistence and flexibility, able to rebound from setbacks and maintain calm in adversity
• A growth mindset

Desirable Skills

• Credit‑writing or financial accounting experience.
• Working knowledge of the automotive sector.
• Experience managing wholesale portfolios, particularly OEM‑related.
• Strong influencing ability across senior stakeholders.
• Experience contributing to business transformation or change initiatives.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion, supporting our customers, colleagues, and communities and we are committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

And it’s why we especially welcome applications from under‑represented groups.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual bonus award, subject to Group performance
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready to start growing with purpose? Apply today!

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.